Find your carrier below.
Learn what your IUL is really doing — carrier by carrier. Start with the six lies most agents use to sell it.
Looking to learn one of these?
These are the questions that tell you whether your policy is on track — or quietly drifting from what you were sold.
The top risks of an IUL.
None of these show up in the sales illustration. All of them affect how your policy actually performs.
Rising cost of insurance
Internal charges climb every year with age — and never stop.
Not invested in the index
You don't own the index; you get a credited rate the carrier controls.
No dividends
Index crediting excludes the dividends that drive most real market return.
Annual point-to-point chassis
A bad 12-month window can zero out a year of growth.
Caps, spreads & par rates can change
The carrier can lower them after you buy — reducing future credits.
"Tax-free income" loans
Policy-loan income is rarely illustrated the way it actually behaves.
High front-load expenses
Early-year charges quietly eat into the cash value you were shown.
Find your carrier or IMO below.
Short, neutral breakdowns of how each carrier's IULs are built and sold — with a video where we have one.
National Life Group (NLG)
A mutual company whose LSW-branded IULs — FlexLife and PeakLife — are marketed heavily around living benefits, policy loans, and tax-free retirement income.
Widely distributed through network-marketing IMOs, where illustration and loan assumptions are often misunderstood.
Schedule IUL Rescue →Allianz
One of the largest global insurers; its Life Pro+ Advantage IUL is sold for accumulation and legacy, with a heavy emphasis on proprietary index strategies.
Aggressive bonus structures and illustrations — often through large FMOs — can overstate real-world performance.
Schedule IUL Rescue →Mutual of Omaha
Its Income Advantage and Life Protection Advantage IULs focus on living benefits and moderate growth, with competitive chronic-illness riders.
Illustration assumptions can be optimistic without disciplined, ongoing funding.
Schedule IUL Rescue →F&G (Fidelity & Guaranty)
Products like Pathsetter and FG AccumulatorPlus lean on illustrated multipliers and uncapped index strategies.
Those features can carry higher internal costs and added complexity for the policyholder.
Schedule IUL Rescue →Pacific Life
A highly rated insurer whose Horizon and Discovery Xelerator IULs use multipliers and bonus crediting that can make illustrations look better than reality.
Often sold through premium-financing arrangements that add leverage and risk.
Schedule IUL Rescue →Nationwide
Accumulator II and Protector II emphasize lower-cost structures and death-benefit protection, and are often praised for transparency.
Still subject to performance gaps if the policy is underfunded.
Schedule IUL Rescue →Kaizen
Not a carrier but a premium-financed strategy — built around carriers like Zurich and Pacific Life — that uses third-party loans to maximize contributions for high-net-worth clients.
Marketed by NIW Companies as tax-free income and legacy planning; adds leverage, layered complexity, and risk.
Schedule IUL Rescue →Family First Life (FFL)
An IMO known for final-expense and term sales that also distributes IULs (NLG, Mutual of Omaha) to agents nationwide. Its recruiting-first model can oversimplify long-term funding needs and lead to inconsistent client education.
Schedule IUL Rescue →World Financial Group (WFG)
An MLM-style agency affiliated with Transamerica that often trains new agents to sell IULs as retirement tools regardless of suitability. Known for aggressive sales practices and team-building over product expertise.
Schedule IUL Rescue →Not sure where your policy stands?
Bring your most recent statement and original illustration. In 30 minutes you'll know whether your IUL is on track or quietly working against you.
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